Abstract
The present investigation was carried out in Haryana state during 2020-2021. Logistic regression indicated that the education level and size of the owned area of the farmer positively influenced the adoption of the KCC Scheme. Mean per cent score analysis revealed that more than 70 per cent of beneficiary farmers reported significant constraints such as lengthy paperwork and difficulty in repayment of loans due to crop failure. At the same time, 80 per cent of non-beneficiary farmers encountered sub-divisions and land fragmentation. Easy access to the non-institutional loan was a significant obstruction encountered in the adoption of the KCC Scheme.
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